Agricultural credit officers are often required to analyse loan requests by farmers and other clients. This analysis is to ascertain the ability of the proposed project to operate at profit level as well as determine the credit needs of the applicant, and the risk inherent in the loan. The inability of lending institutions to accurately analysis loan request leads to high default rate. Indeed, as organizations grow, building a strong credit analysis and risk management strategies becomes increasingly important. Therefore, for effective performance, agricultural credit managers need enhancement in their knowledge and skills in credit analysis and risk management.